It's fair to say the latecomer has gotten religion. In May, it launched an iPhone app. In June, it followed with apps for the BlackBerry and Android. Joan Dal Bianco, TD's vice president of the online channel, tells the American Banker, "Mobile will do more than the Internet did, and do it more rapidly. It took the Web a decade to take hold. Mobile will take just another year or two."

A novel feature: an "accident tool kit" app provides information on what to do in case of an auto accident, including what information to gather.

There's still plenty of time for a recent convert to make a splash. Of course, latecomers face banks that are already into their second generation of mobile services. U.S. Bank, the fifth largest commercial bank, has announced a partnership with CashEdge to launch a person-to-person (P2P) online and mobile payments service, Popmoney, this year. U.S. Bank says it will become the first large U.S. bank to offer a mobile P2P solution that enables users to send money directly from their bank account to anyone with an email address, mobile phone number and a bank account.

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